MEXC Loans now supports BTC as collateral, further enhancing asset efficiency and flexibility. Starting Oct 27, 2025, users can borrow USDT or USDC at rates from just 5% APR.
See the product page for the latest rates.
What Is MEXC Loans
MEXC Loans allows users to pledge one digital asset as collateral to borrow another. Borrowed funds can be used for:
• Spot and Futures trading
• Earn products
• Withdrawals or general liquidity needs
With this new feature, users can pledge BTC to borrow USDT or USDC without selling their bitcoin holdings. Interest accrues daily, and collateral is released once the loan is repaid.
*BTN-Explore MEXC Loans&BTNURL=https://www.{domain}/mx-activity/loan?type=1*
Why Choose MEXC Loans
• Low-cost capital: Competitive loan rates from 5% APR (Daily interest rate = APR / 365)
• Instant Loans: Borrow and repay anytime with a smooth, simple process
• Competitive Initial LTV: Up to 85%, among the most competitive in the market
• Versatile usage: Use borrowed funds freely across MEXC products
• Enhanced capital efficiency: Retain BTC exposure while unlocking liquidity
Product Features
Refer to the product page for complete details
• Collateral asset: BTC
• Borrowable assets: USDT, USDC
• Interest calculation: Daily accrual; repay anytime (only charged for actual days borrowed)
• Collateral management: Initial, margin call, and liquidation LTVs adjust dynamically based on market conditions.
• Fee structure: Only loan interest applies. No early repayment penalties. A 5% fee applies if liquidation occurs.
Note: For risk management, borrowable limits, collateral ratios, and interest rates may be adjusted dynamically.
Eligibility & Requirements
• Users must complete Primary KYC Verification before borrowing.
• All participants must comply with the MEXC's Terms of Service(link) and the MEXC Loans Service Agreement(link).
• Dishonest behavior (bulk registrations, wash trading, fraud) will result in suspension of product access.
• MEXC may modify product terms without prior notice and reserves final interpretation rights.
Risk Reminder
Crypto assets are volatile and may trigger margin calls or liquidation. Users should borrow responsibly. Market fluctuations may reduce collateral value. If thresholds are breached, the system will require additional margin or liquidate the collateral. Borrowing involves interest costs, and users should review terms carefully before participating.
This announcement does not constitute investment advice. All actions are at the sole discretion and risk of the user.
